Low Cost Workers Comp for California Catering Companies

Low Cost Workers Comp for California Catering Companies

If you own or manage a Catering Company, this blog is for you! In this blog, we will explain the basics of obtaining Low Cost Workers Comp for your
Catering Company. Remember, in California you are required to carry Workers Comp for all employees.

Low Cost Workers Comp for California Catering Companies – Employee Classifications

Classifying your employees correctly can play a huge role in bringing your Workers Comp premium down. This is because the difference in rates between employee class codes can be substantial. In California, the primary class code used for catering employees is 9079. The rate associated with this class code can be quite high, depending on the carrier. In addition to catering employees, many Catering Companies also have clerical employees that are not involved with any of the actual catering services. These employees may be eligible to be separately classified as 8810, which has a much lower rate than
the 9079 class code.

Low Cost Workers Comp for California Catering Companies – Loss History

Maintaining your Workers Comp with limited or no losses is imperative to obtaining low cost Workers Comp for your Catering Company. There are several steps you can take to reduce the frequency and severity of claims. Training employees on proper safety procedures and implementing a formal safety program can go a long way in reducing the frequency of claims. You can also implement a return to light duty plan, which will get the employee back to work and hopefully help reduce the size of the claim.

Low Cost Workers Comp for California Catering Companies – Shopping

Shopping your Workers Comp annually can go a long way in brining your Workers Comp premium down. This is because the Insurance carriers are often hanging their rates and guidelines each year. When shopping for Workers Comp, make sure to obtain loss runs, or a loss history report from your prior Workers Comp carrier. This will make it easier for your Insurance Broker to shop your policy and request credits.

To learn more about Low Cost Workers Comp for your California Catering Company, give us a call!

You can reach our Workers Comp specialist at 925-297-4829.

All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.

If You Are Serious About Saving Money While Building A Long Term Business Relationship Please Request A Quote And We Will Be In Touch With Your Shortly!